A couple of points to consider.
Nikon's AF-S 18-200 mm f/3.5-5.6G is a jack-of-all-trades, master-of-none lens. It has the worst barrel distortion of any Nikon lens made today. At the short end the distortion is quite complex and very difficult to correct with an image editor.
I would recommend the AF-S 18-105 mm f/3.5-5.6G over the 18-200.
Good camera handeling technique will prevent lens mount damage. Obviously, dropping or giving a a camera lens combo forceful bump exposes the equipment to damage of one sort or another.
You could have a nearly complete lens kit that gives you about the best image and build quality if you get these 3 lenses known as the Nikon Trinity:
- AF-S 14-24 mm f/2.8G
- AF-S 24-70 mm f/2.8G
- AF-S 70-200 mm f/2.8G
The total cost for the 3, bought new, will be just under $6000.